Abstract: Methods, apparatus and computer readable media for provisioning a prepaid mobile staging account to consumer mobile devices are disclosed. In an embodiment, a staging account provider computer receives a request to provision a prepaid mobile payment staging account from a prepaid staging account application program running on a consumer's mobile device, wherein the request includes identification information. The staging account provider computer then associates the identification information with a staging account program developed by a primary issuer comprising at least one a pre-packaged prepaid mobile account, identifies a financial account of the consumer held by the primary issuer, generates a pre-packaged prepaid mobile staging account from the staging account program of the primary issuer which is loaded with funds from the consumer's financial account, and transmits a confirmation message indicating successful setup to the consumer's mobile device.

Abstract: A method for securing a laptop computer device using a security management computing device includes receiving a request for a secure token, the request including (i) a device unique identifier associated with the laptop computer device, and (ii) a context unique identifier associated with a context of using the laptop computer device to initiate data communications. The method also includes generating a secure token associated with both the laptop computer device and the context of using the laptop computer device, such that the secure token is usable only within the context, and transmitting the secure token to the laptop computer device.

Abstract: Methods, apparatus and computer readable media for provisioning a prepaid mobile staging account to consumer mobile devices are disclosed. In an embodiment, a staging account provider computer receives a request to provision a prepaid mobile payment staging account from a prepaid staging account application program running on a consumer's mobile device, wherein the request includes identification information. The staging account provider computer then associates the identification information with a staging account program developed by a primary issuer comprising at least one a pre-packaged prepaid mobile account, identifies a financial account of the consumer held by the primary issuer, generates a pre-packaged prepaid mobile staging account from the staging account program of the primary issuer which is loaded with funds from the consumer's financial account, and transmits a confirmation message indicating successful setup to the consumer's mobile device.

Abstract: Systems and methods for provisioning a prepaid mobile staging account to consumer mobile devices are described that allow issuer financial institutions to quickly and efficiently launch NFC device payment programs. In an embodiment, a staging account provider computer receives a request to provision a prepaid mobile payment staging account that includes identification information and associates the identification information with a prepaid mobile staging account. The staging account provider computer then identifies a financial account of the consumer held by an issuer financial institution (FI), generates a consumer prepaid mobile staging account loaded with funds from the financial account of the consumer, and transmits a confirmation message to the consumer's mobile device indicating successful setup.

Abstract: A method includes maintaining a token database in a computer system, where the token database maps tokens to primary account numbers (PANs) for payment card accounts. The method further includes storing a respective entry in the token database for a token, with the token being mapped by the respective entry to a respective PAN and the respective PAN identifies a payment card account that belongs to a cardholder who uses a mobile device. The method also includes provisioning the token to the mobile device and determining at a subsequent point in time that a lifecycle event has occurred or will soon occur with respect to the token. In addition, the method includes updating the respective entry for the token in the token database in response to determining that the lifecycle event has occurred.

Abstract: A method for securing a laptop computer device using a security management computing device includes receiving a request for a secure token, the request including (i) a device unique identifier associated with the laptop computer device, and (ii) a context unique identifier associated with a context of using the laptop computer device to initiate data communications. The method also includes generating a secure token associated with both the laptop computer device and the context of using the laptop computer device, such that the secure token is usable only within the context, and transmitting the secure token to the laptop computer device.

Abstract: Systems and methods for provisioning a prepaid mobile staging account to consumer mobile devices are described that allow issuer financial institutions to quickly and efficiently launch NFC device payment programs. In an embodiment, a staging account provider computer receives a request to provision a prepaid mobile payment staging account that includes identification information and associates the identification information with a prepaid mobile staging account. The staging account provider computer then identifies a financial account of the consumer held by an issuer financial institution (FI), generates a consumer prepaid mobile staging account loaded with funds from the financial account of the consumer, and transmits a confirmation message to the consumer's mobile device indicating successful setup.

Abstract: Prepaid staging account systems and methods are described that allow issuer financial institutions to quickly and efficiently launch NFC device payment programs. In an embodiment, a staging account provider computer receives a request to provision a mobile account. The staging account provider computer generates a mobile account PAN and associates it with a funding account PAN, and transmits a personalization request to personalize a payment application for the cardholder's mobile device to a trusted service manager (TSM) computer. The staging account provider computer receives a status confirmation message from the TSM computer indicating that the payment application has been personalized and loaded onto the cardholder's mobile device, and then transmits a mobile account initialization message that includes the mobile account PAN to the primary issuer.

Abstract: Near-Field Communication (NFC) test systems, apparatus and processes enable consumers to thoroughly and easily test the NFC circuitry and short range communications software of their mobile devices. In an embodiment, a processor of a consumer's mobile device receives input to initialize an NFC test application and displays a prompt on a display screen for the consumer to position his or her mobile device to communicate with an NFC-enabled device. When the processor receives input indicating a correct communication position, a shared identity is exchanged with the NFC-enabled device and transmitted to a central server computer. Next, the processor receives a plurality of NFC test instructions, communicates in a transaction mode of operation and then in a terminal mode of operation with the NFC-enabled device, and transmits NFC test data to the central server computer.

Abstract: Near-Field Communication (NFC) test systems, apparatus and processes enable consumers to thoroughly and easily test the NFC circuitry and short range communications software of their mobile devices. In an embodiment, a processor of a consumer's mobile device receives input to initialize an NFC test application and displays a prompt on a display screen for the consumer to position his or her mobile device to communicate with an NFC-enabled device. When the processor receives input indicating a correct communication position, a shared identity is exchanged with the NFC-enabled device and transmitted to a central server computer. Next, the processor receives a plurality of NFC test instructions, communicates in a transaction mode of operation and then in a terminal mode of operation with the NFC-enabled device, and transmits NFC test data to the central server computer.

Abstract: A method includes maintaining a token database in a computer system, where the token database maps tokens to primary account numbers (PANs) for payment card accounts. The method further includes storing a respective entry in the token database for a token, with the token being mapped by the respective entry to a respective PAN and the respective PAN identifies a payment card account that belongs to a cardholder who uses a mobile device. The method also includes provisioning the token to the mobile device and determining at a subsequent point in time that a lifecycle event has occurred or will soon occur with respect to the token. In addition, the method includes updating the respective entry for the token in the token database in response to determining that the lifecycle event has occurred.

Abstract: Prepaid staging account systems and methods are described that allow issuer financial institutions to quickly and efficiently launch NFC device payment programs. In an embodiment, a staging account provider computer receives a request to provision a mobile account. The staging account provider computer generates a mobile account PAN and associates it with a funding account PAN, and transmits a personalization request to personalize a payment application for the cardholder's mobile device to a trusted service manager (TSM) computer. The staging account provider computer receives a status confirmation message from the TSM computer indicating that the payment application has been personalized and loaded onto the cardholder's mobile device, and then transmits a mobile account initialization message that includes the mobile account PAN to the primary issuer.